Insurance companies do not want to take on risks with their new policyholders. They require medical examinations from all of their clients and long questionnaires asking personal questions. Your health condition will be unmasked. The price of your life insurance will jump the minute your smoking habit is revealed. Why? You represent a potential risk. Is it possible to reduce your premium if you reduce your smoking? Not really. On the other hand, if you completely stop smoking, your insurer may decide to review your case and reduce your premiums. Learn how much a smoker pays for life insurance. Further, know how to save between 40% to 100% on the cost of a life insurance product in Quebec if you quit smoking.